Pay less on your home loan.
Catch hidden money leaks.
Free. Read on your phone, never uploaded.
Free checks
A minute or two each. No sign-up.
Today's home loan rates from every bank's own page.
How it works
Enter your details
Loan amount left, rate, EMI and credit score. Or add your loan statement: it is read in your browser.
See your options
Your rate against what banks publish today, after every fee, with the source and date of each number.
Take the next step
A ready letter for your bank, or your bank's own page to cancel an auto-pay.
Common questions
Is BachatLab free?
Yes. The checks need no sign-up and cost nothing. The request letter comes with a free profile: just your email.
Do you see my bank statements?
No. Files you upload are read inside your own browser and are never uploaded. Nothing about you is stored unless you create a free profile, and loan numbers or letters are kept only if you choose.
Is it okay to ask my bank for a lower rate?
Yes. It is a normal request. Most banks have a set process for it, usually with a one-time fee. Ask for the fee in writing before you agree.
What does it cost to move my loan to another bank?
You pay these once, on the new loan: stamp duty (your state decides how much), a registration fee, a small CERSAI fee (CERSAI is the government's record of property loans), legal and valuation charges, and the new bank's processing fee with 18% GST.
The new bank must show you all its fees in the Key Facts Statement before you sign. The home loan check on this site shows each cost for your loan and your state, and your saving after paying them.